Instamojo vs Gumroad vs Beevo: three tools, three different jobs

Three platforms get compared constantly, and the comparison usually happens in a spreadsheet of percentages. That spreadsheet will lead you to the wrong tool, because these products are not the same category.

• Instamojo is an Indian payments company that gives small businesses a store and a payment link.
• Gumroad is a global selling link with a marketplace attached, priced in dollars.
• Beevo is a course storefront for a creator's own audience, priced in rupees. We build it — declared here, once, at the top.

Here is the comparison, including the places where we are the weaker option.

Published pricing, side by side

What that costs on a real rupee sale

The calculator above uses published rates and shows its assumptions. Two things to notice when you move the slider: the two lines converge above roughly ₹170 — below that, Instamojo's fixed ₹3 plus GST on the fee costs more than Beevo's 8% — and above it the difference stays within a couple of percentage points, which is exactly why a fee difference alone should not decide your platform.

Instamojo: a payments company, and good at it

Instamojo's strength is breadth. Physical or digital, payment link or storefront, UPI or card, it will take the money and settle in rupees. Indian small businesses have used it for years for exactly that reason, and its published fee breakdown — including GST — is more transparent than most.

• Where it wins: mixed physical + digital catalogues, payment links you can paste anywhere, a familiar Indian checkout, rupee settlement.
• Where it stops: a course is a file or a link to it. There is no curriculum, no lesson player that tracks progress, no learner dashboard, no video streaming built for lessons. You are buying a cash register, then building the classroom.

Gumroad: the only cross-border option here

Gumroad's value is not its percentage; it is that a buyer in Toronto can pay by card in dollars without you registering for anything abroad, and Gumroad handles the sales tax as merchant of record. It also has Discover, which is real distribution for creators with no audience yet.

• Where it wins: international buyers, dollar pricing, PayPal, tax handled, non-course products, a decade of operating history.
• Where it stops: 10% + $0.50 plus 2.9% + $0.30 processing on direct sales, 30% on Discover, a $100 payout minimum, and an Indian buyer staring at a dollar price and a foreign card form.

Beevo: narrow on purpose

Beevo does one thing: a creator's course, sold to that creator's own audience, in rupees. Storefront at /@yourname, sales page, sections and lessons, video streaming, file attachments, Razorpay checkout, learner dashboard with progress, email receipts. ₹0/month, a flat 8% commission per successful eligible sale.

• Where it wins: course delivery out of the box, rupee checkout with UPI, one simple fee, no marketplace competing for your buyer's attention, no Pro tier.
• Where it stops: no foreign-currency sales, no physical products, no discovery, no mobile app, and payouts are recorded manually by Beevo admins under the payment arrangement rather than on a self-serve schedule.

So which one?

One caution about stacking tools: creators often pay for a course platform and a payment link and an email tool, then wonder why 20% of revenue disappears. Count the total stack, not the headline of any single vendor. If you want to see what the Beevo stack replaces, read Features; if fees are your main worry, this breakdown does the arithmetic slowly.